Consumer Compliance Regulatory Resources

This webpage presents information about compliance with consumer lending and deposit laws and regulations, including those arising out of the Dodd-Frank Wall Street Reform and Consumer Protection Act. The webpage provides access to NCUA Regulatory Alerts, Supervisory Letters, webinars and quick reference guides, as well as to Consumer Financial Protection Bureau's rules, compliance guides, and other federal resources. Direct any questions to the Division of Consumer Compliance Policy and Outreach in NCUA's Office of Consumer Financial Protection at

Consumer Financial Protection Updates

Consumer Financial Protection Updates announce new activity on consumer compliance laws, regulations and guidance. They briefly describe the action taken and provide links to relevant materials. Through these updates, the NCUA’s Office of Consumer Financial Protection helps keep credit unions up to date on the most recent amendments and regulatory changes.

Consumer Protection Updates
Number Title
19-10 FFIEC Issues 2019 Home Mortgage Disclosure Act (HMDA) Getting it Right Guide
19-09 CFPB Issues Technical Specifications and Resources for Prepaid Product Agreements
19-08 CFPB Releases Small Entity Compliance Guide Summarizing the Payday, Vehicle Title, and Certain High-Cost Installment Loans Rule
19-07 CFPB Publishes 2019 Lists of Rural and Underserved Counties and Updates Website Tool
19-06 CFPB Releases FAQs for Complying with TRID Rule Change
19-05 CFPB Issues Reference Tool for 2019 HMDA Data Collection
19-04 Submission of 2018 Home Mortgage Disclosure Act Data
19-03 Home Mortgage Disclosure Act Data Collection Requirements for Calendar Year 2019
19-02 Consumer Financial Protection Bureau Announces Asset-size Threshold Adjustments Under HMDA and TILA
19-01 Consumer Financial Protection Bureau Announces Annual Adjustment Under Fair Credit Reporting Act

Recently Added Resources

CFPB Factsheet: Are Loan Estimates and Closing Disclosures Required for Assumptions? (May 1, 2019)

FFIEC 2019 A Guide to HMDA Reporting: Getting it Right (For HMDA Submissions due March 1, 2020) (effective Jan. 1, 2019)

Appraisals for Higher-Priced Mortgage Loan Exemption Threshold Adjustment (Effective Jan. 1, 2019)

Annual Adjustment to Dollar Threshold for Exempt Consumer Leases under the Consumer Leasing Act and Regulation M (Effective Jan. 1, 2019)

Annual Adjustment to Dollar Threshold for Exempt Consumer Credit Transactions under the Truth in Lending Act and Regulation Z (Effective Jan. 1, 2019)

HMDA Filing Instruction Guide for HMDA Data Collected in 2019

This webpage contains general information pertaining to consumer compliance resources. Its content is not intended as a source or substitute for legal or other professional advice. Although we take reasonable measures to ensure that the webpage content is accurate and current, we make no express or implied warranty regarding this content. We expressly disclaim all legal liability and responsibility to anyone who uses or accesses this content. If you require professional advice, contact a qualified professional for assistance.